Red River Bancshares, Inc. (FRA:7RR)

Red River Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	120.05	108.97	93.44	75.83	67.92
Interest Income on Investments	29.84	28.26	25.13	18.55	9.42
Total Interest Income	149.89	137.23	118.57	94.38	77.34
Interest Paid on Deposits	44.33	47.94	32.07	7.74	5.62
Interest Paid on Borrowings	-	-	0.06	-	-
Total Interest Expense	44.33	47.94	32.13	7.74	5.62
Net Interest Income	105.56	89.29	86.44	86.64	71.72
Net Interest Income Growth (YoY)	18.21%	3.30%	-0.23%	20.80%	3.94%
Mortgage Banking Activities	2.4	2.49	1.97	3.1	8.68
Gain (Loss) on Sale of Investments	0.09	-0.03	-0.01	-0.53	0.02
Other Non-Interest Income	11.88	12.31	13.39	10.61	11.02
Total Non-Interest Income	19.96	20.44	21.11	18.75	24.49
Non-Interest Income Growth (YoY)	-2.33%	-3.19%	12.63%	-23.46%	7.16%
Revenues Before Loan Losses	125.52	109.74	107.55	105.39	96.22
Provision for Loan Losses	2.3	1.2	0.74	1.75	1.9
Revenue	123.22	108.54	106.82	103.64	94.32
Revenue Growth (YoY)	13.53%	1.61%	3.07%	9.88%	10.23%
Salaries and Employee Benefits	41.7	38.62	36.88	34.2	32.13
Occupancy Expenses	7.14	6.69	5.68	5.48	4.89
Federal Deposit Insurance	1.65	1.65	1.65	1.06	0.93
Selling, General & Administrative	11.59	11.62	11.75	10.62	9.43
Other Non-Interest Expense	8.01	7.57	7.66	7.3	6.87
Total Non-Interest Expense	70.1	66.15	63.62	58.66	54.26
EBT Excluding Unusual Items	53.13	42.38	43.2	44.98	40.06
Other Unusual Items	-	-	-0.26	-	-
Pretax Income	53.13	42.38	42.94	44.98	40.06
Income Tax Expense	10.36	8.15	8.07	8.07	7.11
Net Income	42.76	34.24	34.88	36.92	32.95
Net Income to Common	42.76	34.24	34.88	36.92	32.95
Net Income Growth	24.91%	-1.85%	-5.52%	12.03%	17.08%
Basic Shares Outstanding	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7
Shares Change (YoY)	-3.08%	-3.67%	-0.22%	-1.40%	-0.62%
EPS (Basic)	6.40	4.96	4.87	5.14	4.53
EPS (Diluted)	6.38	4.95	4.86	5.13	4.51
EPS Growth	28.89%	1.85%	-5.26%	13.75%	17.76%
Dividend Per Share	0.540	0.360	0.320	0.280	0.280
Dividend Growth	50.00%	12.50%	14.29%	-	16.67%
Effective Tax Rate	19.50%	19.22%	18.78%	17.93%	17.74%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.